> ## Documentation Index
> Fetch the complete documentation index at: https://docs.usmewe.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Welcome to usmewe

> Decentralized Social Credit - P2P loans based on trust, not collateral

<img className="block dark:hidden" src="https://mintcdn.com/usmewe/MaTh3tyDANkiMFl5/images/hero-light.svg?fit=max&auto=format&n=MaTh3tyDANkiMFl5&q=85&s=ceaec971d2832f159aca1b4e86f9dbad" alt="usmewe Hero Light" width="800" height="400" data-path="images/hero-light.svg" />

<img className="hidden dark:block" src="https://mintcdn.com/usmewe/MaTh3tyDANkiMFl5/images/hero-dark.svg?fit=max&auto=format&n=MaTh3tyDANkiMFl5&q=85&s=88de992af3dabcd90a958e3823a464f6" alt="usmewe Hero Dark" width="800" height="400" data-path="images/hero-dark.svg" />

## What is usmewe?

**usmewe** is a decentralized social credit application that enables peer-to-peer loans based on social trust, not traditional financial guarantees or collateral.

Think of it as **Revolut meets Aave** - a seamless fintech experience powered by blockchain technology, where users never feel they're interacting with crypto.

<CardGroup cols={2}>
  <Card title="Zero Collateral Loans" icon="money-bill-transfer">
    Borrow based on your Trust Score, not locked assets
  </Card>

  <Card title="Social Trust Network" icon="users">
    Build credit through your social connections and guardians
  </Card>

  <Card title="Earn Yield" icon="chart-line-up">
    Stake USDC in the Trust Vault and earn 5-10% APY
  </Card>

  <Card title="Anti-Kidnapping Protection" icon="shield-check">
    Social Vault with timelock, multi-sig, and duress PIN
  </Card>
</CardGroup>

## Core Principles

<AccordionGroup>
  <Accordion title="Zero Latency" icon="bolt">
    Optimistic UI - actions display before on-chain confirmation. Users see instant feedback while blockchain transactions settle in the background.
  </Accordion>

  <Accordion title="Total Abstraction" icon="wand-magic-sparkles">
    No "gas fees" or "sign transaction" dialogs. Only "Confirmation" and "Service fees". The blockchain is invisible to users.
  </Accordion>

  <Accordion title="Gamification" icon="gamepad">
    Smooth animations, XP progression, badges, and levels. Building credit feels like playing a game.
  </Accordion>
</AccordionGroup>

## Quick Links

<CardGroup cols={3}>
  <Card title="Quickstart" icon="rocket" href="/introduction/quickstart">
    Get started in 5 minutes
  </Card>

  <Card title="Trust Score" icon="star" href="/core-concepts/trust-score/overview">
    Learn how credit works
  </Card>

  <Card title="API Reference" icon="code" href="/developers/api-reference/overview">
    Build with usmewe
  </Card>
</CardGroup>

## Live Demo

<CardGroup cols={2}>
  <Card title="Web App" icon="globe" href="https://web-production-c1f2a.up.railway.app">
    Try the web application
  </Card>

  <Card title="API" icon="server" href="https://api-production-2d08.up.railway.app">
    Explore the API
  </Card>
</CardGroup>

***

<Info>
  **Built on BASE** - usmewe runs on Coinbase's Layer 2 blockchain for fast, low-cost transactions.
</Info>